An auto policy does not extend to a motorcycle, and the injury exposure is the bigger half.
We cover road bikes, cruisers and touring machines, including the custom parts and riding gear a standard form values at nothing.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What motorcycle insurance actually covers.
Liability
Injury and damage to others.
Without it — The at-fault exposure is the same as a car and the assets behind it are the same.
Custom parts and equipment
Exhausts, bags, paint and chrome added after the bike left the factory.
Without it — The standard settlement is the stock bike, and often a low sub-limit for the rest.
Uninsured motorist and medical
Your own injuries when the other driver has no coverage, or none worth having.
Without it — A rider comes off worse in almost every collision, and minimum limits do not reach a serious injury.
What clients with motorcycle insurance ask us.
Can I suspend coverage over the winter?
You can usually drop the road-risk portion and keep comprehensive so the bike is still covered against theft and fire in the garage, which is where a surprising share of motorcycle claims happen. Do not cancel outright: a lapse in continuous coverage costs you the preferred tier next spring and can outweigh the saving. Some carriers price the whole year on the assumption of a riding season anyway, which makes the exercise pointless, worth asking before you do it.
Does it cover my gear?
Only if you ask. Helmets, leathers, boots and comms easily run to a few thousand dollars, and a standard motorcycle policy either excludes them or includes a token limit. Most carriers offer a rider that covers safety apparel, often paying without a deductible after an accident, since gear is routinely destroyed by the crash or cut off at the roadside. Check whether it covers a helmet damaged in a drop as well, because the replacement rule for a dropped helmet is real and the cost is not trivial.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.